West Virginia Casualty Insurance — License Examination Requirements
US-WV · License preparation
This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.
Licenses, application pathways and examination requirements
Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.
Insurance Agency Producer — Casualty
Business-entity producer licensing for an agency transacting casualty insurance.
Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information
New application for an inactive business entity
- Application
- Uniform business-entity application and required fee.
- Designated producer
- A licensed individual officer, partner or director is responsible for compliance; register at least one individual licensed for each requested line.
- Entity
- Business entity transacting casualty insurance.
- Examination
- The agency itself has no examination; its designated individuals' existing licenses are conditions.
- Officers
- Disclose officers, partners, directors and licensed persons; satisfy trustworthiness and good reputation.
- Prior license
- An inactive agency applies again under the original requirements.
- Registration
- Meet applicable Secretary of State entity and assumed-name requirements.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-6(b), agency license
- license types
License Types, no-exam list
- resident faq
Inactive business entity must apply again
Business entity reinstatement within 12 months
- Application
- Uniform business-entity application and required fee.
- Designated producer
- A licensed individual officer, partner or director is responsible for compliance; register at least one individual licensed for each requested line.
- Entity
- Business entity transacting casualty insurance.
- Examination
- The agency itself has no examination; its designated individuals' existing licenses are conditions.
- Lapse
- Renew within 12 months; pay the unpaid renewal fee and $25 late penalty.
- Officers
- Disclose officers, partners, directors and licensed persons; satisfy trustworthiness and good reputation.
- Registration
- Meet applicable Secretary of State entity and assumed-name requirements.
Official no-examination sources
Effective from 2026-09-22.
- current producer rule
114CSR2 §3.12, agency reinstatement
- license types
License Types, no-exam list
Nonresident business entity licensure
- Application
- Uniform business-entity application and required fee.
- Designated producer
- A licensed individual officer, partner or director is responsible for compliance; register at least one individual licensed for each requested line.
- Entity
- Business entity transacting casualty insurance.
- Examination
- The agency itself has no examination; its designated individuals' existing licenses are conditions.
- Officers
- Disclose officers, partners, directors and licensed persons; satisfy trustworthiness and good reputation.
- Principal office
- Outside West Virginia.
- Reciprocity
- Meet §33-12-12 nonresident eligibility.
- Registration
- Meet applicable Secretary of State entity and assumed-name requirements.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-6(b), agency license
- West Virginia Code Article 33-12
§33-12-6(b)(4), responsible individual
- West Virginia Code Article 33-12
§33-12-6(b)(7), existing individual line authority
- license types
License Types, no-exam list
- West Virginia Code Article 33-12
§33-12-12(a)(1)-(2)
Annual business entity renewal
- Application
- Uniform business-entity application and required fee.
- Designated producer
- A licensed individual officer, partner or director is responsible for compliance; register at least one individual licensed for each requested line.
- Entity
- Business entity transacting casualty insurance.
- Examination
- The agency itself has no examination; its designated individuals' existing licenses are conditions.
- Officers
- Disclose officers, partners, directors and licensed persons; satisfy trustworthiness and good reputation.
- Registration
- Meet applicable Secretary of State entity and assumed-name requirements.
- Renewal
- Application and fees for the annual June 30 expiration.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-17(b), annual agency renewal
- license types
License Types, no-exam list
Resident business entity licensure
- Application
- Uniform business-entity application and required fee.
- Designated producer
- A licensed individual officer, partner or director is responsible for compliance; register at least one individual licensed for each requested line.
- Entity
- Business entity transacting casualty insurance.
- Examination
- The agency itself has no examination; its designated individuals' existing licenses are conditions.
- Officers
- Disclose officers, partners, directors and licensed persons; satisfy trustworthiness and good reputation.
- Principal office
- In West Virginia.
- Registration
- Meet applicable Secretary of State entity and assumed-name requirements.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-6(b), agency license
- West Virginia Code Article 33-12
§33-12-6(b)(4), responsible individual
- West Virginia Code Article 33-12
§33-12-6(b)(7), existing individual line authority
- license types
License Types, no-exam list
Limited License for Automobile Rental Coverage
Rental-employee limited authority includes liability coverage incidental to automobile rental.
Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information
New limited line application after inactivity or extended lapse
- Application
- Submit the prescribed application and fees.
- Coverage
- Liability and other automobile rental coverage incidental to rental periods not exceeding 90 consecutive days.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Instruction
- Complete the required insurer instruction or rental-employer training.
- Prior license
- Previous license is inactive or beyond the 12-month renewal window; apply under the original limited-line requirements.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-32(b)(3), rental limited license without examinations
- West Virginia Code Article 33-12
§33-12-32(c), rental employee license
- West Virginia Code Article 33-12
§33-12-32(h)(4)(B), limited liability coverage
- resident faq
Inactive producer license requires new application
Limited line reinstatement within 12 months
- Application
- Submit the prescribed application and fees.
- Coverage
- Liability and other automobile rental coverage incidental to rental periods not exceeding 90 consecutive days.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Instruction
- Complete the required insurer instruction or rental-employer training.
- Lapse
- File within the statutory 12-month reinstatement period and pay the late penalty.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-32(b)(3), rental limited license without examinations
- West Virginia Code Article 33-12
§33-12-32(c), rental employee license
- West Virginia Code Article 33-12
§33-12-32(h)(4)(B), limited liability coverage
- West Virginia Code Article 33-12
§33-12-9(c), no written reexamination within 12 months
Nonresident limited line licensure
- Application
- Submit the prescribed application and fees.
- Coverage
- Liability and other automobile rental coverage incidental to rental periods not exceeding 90 consecutive days.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Home license
- Matching home-state restricted authority under §33-12-12(g).
- Instruction
- Complete the required insurer instruction or rental-employer training.
- Reciprocity
- Meet §33-12-12 and §33-12-33 reciprocal nonresident eligibility.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-32(b)(3), rental limited license without examinations
- West Virginia Code Article 33-12
§33-12-32(c), rental employee license
- West Virginia Code Article 33-12
§33-12-32(h)(4)(B), limited liability coverage
- West Virginia Code Article 33-12
§33-12-12(g), matching restricted authority
- West Virginia Code Article 33-12
§33-12-33(a)
Nonresident rental employee limited licensure
- Applicant
- Nonresident rental-company employee meeting §33-12-32; the limited-licensee definition includes nonresidents.
- Application
- Prescribed application, annual fee, insurer appointment and employer training; the limited-licensee supervision requirements apply.
- Coverage
- Automobile rental liability and other incidental coverages for rental periods not exceeding 90 days.
- Exemption
- No producer prelicensing education, examination or continuing education is required.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-32(b)(3), rental limited license without examinations
- West Virginia Code Article 33-12
§33-12-32(c), rental employee license
- West Virginia Code Article 33-12
§33-12-32(b)(4), nonresident eligibility
Renewal of limited line authority
- Application
- Submit the prescribed application and fees.
- Continuing education
- The applicable limited-line/rental exemption from major-line continuing education remains.
- Coverage
- Liability and other automobile rental coverage incidental to rental periods not exceeding 90 consecutive days.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Instruction
- Complete the required insurer instruction or rental-employer training.
- Renewal
- Submit renewal and fees by expiration; rental licenses carry the §33-12-32(d) annual fee.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-32(b)(3), rental limited license without examinations
- West Virginia Code Article 33-12
§33-12-32(c), rental employee license
- West Virginia Code Article 33-12
§33-12-32(h)(4)(B), limited liability coverage
- West Virginia Code Article 33-12
§33-12-9(b), continuing license
Resident limited line licensure
- Applicant
- Rental-company employee; insurer appointment and §33-12-32 supervision apply.
- Application
- Submit the prescribed application and fees.
- Coverage
- Liability and other automobile rental coverage incidental to rental periods not exceeding 90 consecutive days.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Instruction
- Complete the required insurer instruction or rental-employer training.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-32(b)(3), rental limited license without examinations
- West Virginia Code Article 33-12
§33-12-32(c), rental employee license
- West Virginia Code Article 33-12
§33-12-32(h)(4)(B), limited liability coverage
Service Representative Permit — Casualty
Existing salaried nonresident insurer representatives may renew authority to assist resident producers.
Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information
Renewal of an existing service representative permit
- Employment
- Salaried nonresident insurer employee assisting assigned resident producers.
- Examination
- §33-12-28 authorizes the permit without a written examination and identifies no other assessment.
- Existing permit
- Only renewal of an existing permit is available after July 1, 2004.
- Renewal
- Pay $25; statutory expiration is the following March 31.
- Supervision
- Act in insurance transactions only in the actual company of the assigned licensed resident producer.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-28, service representative permit and renewal-only status
- West Virginia Code Article 33-12
§33-12-28, fee and expiration
Insurance Solicitor License — Casualty
Existing casualty solicitor licenses may be renewed; initial issuance ceased June 1, 1990.
Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information
Renewal of an existing solicitor license
- Existing license
- Only renewal of an existing license is permitted after June 1, 1990.
- Renewal
- Qualify, apply and pay the renewal fee under §33-12-17.
- Scope
- Existing casualty authority.
- Supervision
- Solicit only for the appointed producer and report all business through that producer; the supervisor's status controls the solicitor's authority.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-6(a)(6), renewal-only solicitor
- West Virginia Code Article 33-12
§33-12-19, supervision
- West Virginia Code Article 33-12
§33-12-17(a), solicitor renewal
Limited Lines Insurance Producer — Surety
Limited surety authority included within casualty producer authority; surety bail bonds require a separate license.
Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information
New limited line application after inactivity or extended lapse
- Application
- Submit the prescribed application and fees.
- Coverage
- Limited surety authority included in casualty; excludes surety bail bonds, whose separate license is another profession's requirement.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Instruction
- Complete the required insurer instruction or rental-employer training.
- Prior license
- Previous license is inactive or beyond the 12-month renewal window; apply under the original limited-line requirements.
Official no-examination sources
Effective from 2026-09-22.
- current producer rule
114CSR2 §2.5.c.4, surety authority
- current producer rule
114CSR2 §2.5.a, no limited-line examination
- current producer rule
114CSR2 §2.5.b, instruction
- resident faq
Inactive producer license requires new application
Limited line reinstatement within 12 months
- Application
- Submit the prescribed application and fees.
- Coverage
- Limited surety authority included in casualty; excludes surety bail bonds, whose separate license is another profession's requirement.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Instruction
- Complete the required insurer instruction or rental-employer training.
- Lapse
- File within the statutory 12-month reinstatement period and pay the late penalty.
Official no-examination sources
Effective from 2026-09-22.
- current producer rule
114CSR2 §2.5.c.4, surety authority
- current producer rule
114CSR2 §2.5.a, no limited-line examination
- current producer rule
114CSR2 §2.5.b, instruction
- West Virginia Code Article 33-12
§33-12-9(c), no written reexamination within 12 months
Nonresident limited line licensure
- Application
- Submit the prescribed application and fees.
- Coverage
- Limited surety authority included in casualty; excludes surety bail bonds, whose separate license is another profession's requirement.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Home license
- Matching home-state restricted authority under §33-12-12(g).
- Instruction
- Complete the required insurer instruction or rental-employer training.
- Reciprocity
- Meet §33-12-12 and §33-12-33 reciprocal nonresident eligibility.
Official no-examination sources
Effective from 2026-09-22.
- current producer rule
114CSR2 §2.5.c.4, surety authority
- current producer rule
114CSR2 §2.5.a, no limited-line examination
- current producer rule
114CSR2 §2.5.b, instruction
- West Virginia Code Article 33-12
§33-12-12(g), matching restricted authority
- West Virginia Code Article 33-12
§33-12-33(a)
Renewal of limited line authority
- Application
- Submit the prescribed application and fees.
- Continuing education
- The applicable limited-line/rental exemption from major-line continuing education remains.
- Coverage
- Limited surety authority included in casualty; excludes surety bail bonds, whose separate license is another profession's requirement.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Instruction
- Complete the required insurer instruction or rental-employer training.
- Renewal
- Submit renewal and fees by expiration; rental licenses carry the §33-12-32(d) annual fee.
Official no-examination sources
Effective from 2026-09-22.
- current producer rule
114CSR2 §2.5.c.4, surety authority
- current producer rule
114CSR2 §2.5.a, no limited-line examination
- current producer rule
114CSR2 §2.5.b, instruction
- West Virginia Code Article 33-12
§33-12-9(b), continuing license
Resident limited line licensure
- Applicant
- Resident individual applying for limited surety authority.
- Application
- Submit the prescribed application and fees.
- Coverage
- Limited surety authority included in casualty; excludes surety bail bonds, whose separate license is another profession's requirement.
- Examination
- The limited-line statute or rule expressly dispenses with the producer examination.
- Instruction
- Complete the required insurer instruction or rental-employer training.
Official no-examination sources
Effective from 2026-09-22.
- current producer rule
114CSR2 §2.5.c.4, surety authority
- current producer rule
114CSR2 §2.5.a, no limited-line examination
- current producer rule
114CSR2 §2.5.b, instruction
Temporary Insurance Producer License — Casualty
Temporary authority to service an existing casualty insurance business.
Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information
Temporary authority after death or disability
- Applicant
- Surviving spouse or court-appointed personal representative of a producer who died or became mentally or physically disabled.
- Duration
- No more than 180 days.
- Exemption
- §33-12-16 authorizes issuance without examination.
- Purpose
- Necessary to service the existing insurance business.
- Restrictions
- The commissioner may restrict authority, require a suitable licensed producer or insurer sponsor, or revoke the license; authority ends on disposal of the business.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-16(a), temporary license without examination
- West Virginia Code Article 33-12
§33-12-16(a)(1), deceased or disabled producer
Temporary authority during military service
- Applicant
- Designee of a licensed producer entering active Armed Forces service.
- Duration
- No more than 180 days.
- Exemption
- §33-12-16 authorizes issuance without examination.
- Purpose
- Necessary to service the existing insurance business.
- Restrictions
- The commissioner may restrict authority, require a suitable licensed producer or insurer sponsor, or revoke the license; authority ends on disposal of the business.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-16(a), temporary license without examination
- West Virginia Code Article 33-12
§33-12-16(a)(2), active-service designee
Temporary authority in another public interest circumstance
- Applicant
- A circumstance in which the commissioner considers issuance best serves the public interest.
- Duration
- No more than 180 days.
- Exemption
- §33-12-16 authorizes issuance without examination.
- Purpose
- Necessary to service the existing insurance business.
- Restrictions
- The commissioner may restrict authority, require a suitable licensed producer or insurer sponsor, or revoke the license; authority ends on disposal of the business.
Official no-examination sources
Effective from 2026-09-22.
- West Virginia Code Article 33-12
§33-12-16(a), temporary license without examination
- West Virginia Code Article 33-12
§33-12-16(a)(3), public interest